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I am looking to add one more secured card. I have a secured Discover IT, but want another to grow with. What is a good one that graduates sooner rather than later, and does a CLI when it does graduate?
Thansk!
@Anonymous wrote:I am looking to add one more secured card. I have a secured Discover IT, but want another to grow with. What is a good one that graduates sooner rather than later, and does a CLI when it does graduate?
Thansk!
Here's a chart I maintain with a lot of the national ones:
http://ficoforums.myfico.com/t5/Credit-Cards/Updated-for-2015-Secured-Credit-Card-List/td-p/3856240
Most cards begin unsecure eligibility at around a year, but some can unsecure early (some of the FNBO secured cards start eligibility at 11 months, BofA can unsecure very early, as early as 6 months ---- but both of these banks can and will reject people even for a secured product so your profile has to be just so).
my BOA was auto graduated at 12 months, here is how i got from CL 300 to 6600
card went unsecured at 12 months -> PC to cash reward -> got new card in mail -> went online for 5k CLI and got countered with 1600, called next morning for recon and got 5000 on top of the 1600 i already got.
my BOa went from 300 to 6600 in about 13 months, can't complIain.